Mortgage Services

Whether you're buying your first home, moving, or investing in property, we'll find the perfect mortgage solution for you from across the market.

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Types of Mortgages We Offer

Whatever your circumstances, we have the expertise to help you secure the right mortgage.

First-Time Buyers

Buying your first home can feel overwhelming, but our role is to make the process straightforward and stress-free. FG & Cook Financial Services guide first-time buyers through every step — from understanding how much you can borrow to securing the best deal for your circumstances.

We'll help you understand deposit requirements, monthly affordability, and all associated costs so there are no surprises along the way. As a broker, we can access exclusive first-time buyer products not always available directly from banks, ensuring you start your homeownership journey on the strongest footing.

Home Movers

If you're moving home, it's vital to make sure your mortgage moves with you — or is replaced by a more suitable one. Whether you're upsizing, downsizing or relocating, we'll review your existing mortgage, assess any early repayment charges, and identify your best options moving forward.

Our advisers handle the complexities of timing, affordability, and lender requirements to ensure a smooth transition from your current property to your next.

Remortgages

Remortgaging can help you reduce your monthly payments, raise capital, or consolidate borrowing. We search the market to find competitive deals that fit your goals — often accessing rates not available directly to the public.

We'll review your current deal well before it ends to help you avoid reverting to a higher standard variable rate. Whether your priority is saving money, releasing funds, or securing a fixed rate for peace of mind, we'll guide you through every option clearly and efficiently.

Buy-to-Let Mortgages

For landlords and property investors, selecting the right buy-to-let mortgage is key to maximising returns. We work with a wide range of lenders offering products tailored for individuals, limited companies, and portfolio investors.

Our advice covers everything from loan-to-value limits and rental stress tests to interest-only and repayment options. We also help clients understand the tax and regulatory implications of buy-to-let ownership, working with your other professional advisers where needed.

Some Buy to Lets are not regulated by the Financial Conduct Authority.

Specialist Lending

Not every borrower fits the standard criteria. That's where our expertise really adds value. We assist clients with complex income, self-employment, credit history challenges, or non-standard property types.

We have access to lenders who consider cases that many high-street banks won't. We'll present your circumstances accurately and professionally to the right lenders, helping you achieve the best possible outcome.

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